Pros

Strong online and mobile tools, and many customer service options.
9,000 fee-free ATMs and 2,600 branches in about 20 states and Washington, D.C.

Cons

0.01% APY on savings account; better rates available elsewhere.
$36 overdraft fee can be charged four times daily.

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Overall

3.5

At PNC Bank, the sixth-largest bank in the country by assets, customers can earn a up to $300 sign-up bonus with a checking, short-term savings and long-term savings combo called Virtual Wallet. The trio of products — named Spend, Reserve and Growth, respectively — come with a nice set of online management tools. But the interest rate on savings is low, and it takes effort to avoid monthly fees on the checking account.

 

Ratings methodology | Updated March 7, 2019

Checking

4

Virtual Wallet Spend, one of PNC’s basic checking accounts, has free mobile banking and online bill pay. If you use a non-PNC ATM, the bank may also reimburse some ATM usage fees, depending on where you live, though the ATM machine’s owner could still charge a separate fee.

 

Virtual Wallet Spend has a $7 monthly fee that can be avoided in a few ways, including monthly direct deposits of $500 and average combined balances of $500.

Savings Account
APY
0.01%
Min. balance for APY
$1

at PNC,

Member, FDIC

How does PNC compare?

PNC

SAV2.5K

cheatgame.info Rating

APY

0.01%

Monthly Fees

$5

Bonus features

2,000+ branches

Mobile-friendly

Goldman Sachs Bank USA

Online Savings

cheatgame.info Rating

at Goldman Sachs Bank USA,

Member, FDIC

APY

2.25%

Monthly Fees

$0

Bonus features

No Monthly Fee

Competitive APY

American Express National Bank

High Yield Savings Account

cheatgame.info Rating

at American Express National Bank,

Member, FDIC

APY

2.10%

Monthly Fees

$0

Bonus features

Competitive APY

Live help 24/7

No Monthly Fee

Not for you? Read more bank reviews
cheatgame.info reviews are the result of independent research by our editorial team while accountholder reviews are contributions from independent users not affiliated with cheatgame.info. Banks, issuers and credit card companies are not responsible for any content posted on the cheatgame.info site, nor do they endorse or guarantee any posted comments or reviews.
Overall
Customer service
Fair
Website / app
Fair
Rates
Poor
Fees
High
never again
PNC used to process ACH batch checks from lowest to highest amount but somewhere along the line changed their policy without telling anyone. They got me for $72 yesterday. I took out a loan a few years back and was quoted a 9% rate. When I went went to the branch to sign the papers the next day it jumped to 11%. No explanation. I paid that loan off fast. I had a PNC credit card and they wanted to raise my credit limit and I said in no way do I want that done. They did it anyway and put a hard inquiry on my credit report. Explanation: my mistake. They lowered the limit back to the original amount but left the hard inquiry on my report. I've had my account over 18 years. That ends as soon as I can get to Wells Fargo to open a new account.
Overall
Customer service
Poor
Website / app
Poor
Rates
Poor
Fees
High
Dishonest and disreputable.
Truly dishonest bank and management — tells you one thing about their account requirements and then does another. Refuses to address mistakes of its employeees who provide maiaonformatikn. Can’t think of ANY reason to bank with them.
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